Fiscal.ai vs Finapolis: a Fiscal.ai alternative with options and tax tools (2026)

By the Finapolis Research Desk. Last updated 8 October 2026.

Fiscal.ai (it used to be FinChat) is the most fun research tool we have compared. Ask its Copilot almost anything about almost any listed company and it answers in seconds. For a while it feels like it does everything. Then you form a view and want to act on it: grade the business, structure an options trade, rebalance the portfolio. That is when you notice the AI was a brilliant librarian, not a decision desk. That line is what this comparison is about.

Where AI research ends and the decision begins

Both tools are great at "tell me about this company." The questions that come next are different: how strong is the business, what is it worth under stated assumptions, and how would a position behave if the view turns out wrong. Fiscal.ai helps you read; Finapolis is built to help you decide and act, on the US-listed names it covers.

Fiscal.ai vs Finapolis: feature comparison

What Fiscal.ai nails (and it is a lot)

Let me not undersell it, because on its strengths Fiscal.ai beats Finapolis cleanly. Its pricing page lists 100,000+ stocks, ETFs, and funds worldwide, and its API documentation counts about 55,000 listed companies across 20+ countries; Finapolis covers US-listed stocks and ETFs. The Copilot lets you question that data in plain English. Segment and KPI data covers 2,500+ companies, the deepest in this comparison. Paid plans add equity research, and there is a free plan. If your work is global and exploratory, Fiscal.ai may simply be the better buy, and this article will not pretend otherwise.

Where Finapolis takes over

The split shows up the moment you stop reading and start deciding. The Analyzer header carries the Finapolis Grade, an overall A to D grade built from Fundamental and Technical grades (A to D) and a Health check (Pass or Fail). Beside it sits the Finapolis Price, the platform's own fair-value estimate from a blended EV/EBITDA multiple for the company and its peers. The DCF is a separate model on the Valuation tab, with its own output. Fiscal.ai can build a DCF too, but its pricing page lists analyst price targets and ratings, not a grade or a fair-value estimate of its own.

Finapolis Reporter: a sourced equity research report with its table of contents and key takeaways. Captured 8 October 2026.

The Analyzer. A grade, a fair-value estimate, and a DCF, not just data and a chat window.

Then the research. Fiscal.ai's pricing page lists its equity research as Morningstar and AI research, alongside AI summaries. The Reporter publishes research reports on more than 850 companies. Each follows the same 5 sections, from an Executive Summary through Investment Overview, The Company, and The Industry to Data Sources, which lists the filings and call transcripts the report was built from.

Finapolis Reporter: a sourced equity research report with its table of contents and key takeaways. Captured 8 October 2026.

The Reporter. One fixed report format, with its sources listed at the end.

And then the part Fiscal.ai does not offer, as far as its official pages show: acting on the view. In the Trader you pick an expiry and, if you like, enter a target price; the Strategy Finder lists strategies such as a collar or a protective put, and selecting one draws its payoff with break-even, maximum loss, and maximum gain. In the Portfolio, the Rebalance tab compares your current weights with efficient-frontier alternatives such as minimum volatility and maximum Sharpe, and the Tax Harvesting tab runs a tax-loss harvesting scan. How any sale is taxed depends on your own situation, so check with a tax professional before acting on a harvest.

Finapolis Trader: Strategy Finder cards and the payoff diagram for a protective put on 100 MSFT shares. Captured 8 October 2026.

The Trader. An options position mapped to your view, with the payoff drawn before you commit.

Is this real, or just AI dressed up?

A fair challenge, especially for two tools that both lead with AI. On Finapolis you can run 2 checks yourself.

First, each Reporter report ends with a Data Sources section. The current Microsoft report, dated 1 July 2026, lists Microsoft's 10-K dated 30 July 2025, its 10-Q dated 29 April 2026, and the transcript of the fiscal Q3 2026 earnings call held the same day. Its text puts Microsoft Cloud at $168.9 billion of revenue in fiscal 2025, so you can hold the report's figures against the filings it names.

Second, the DCF shows its assumptions. In the Pro view of the Analyzer's Valuation tab you choose a revenue scenario and a terminal method, and the model shows how it builds its discount rate: risk-free rate, equity risk premium, beta, cost of equity, cost of debt, and tax rate, combined into a WACC (the blended cost of equity and debt). Below that sit a year-by-year free cash flow build and a sensitivity chart of WACC against the exit multiple. Change an input and run the model again to see what moved. For the method itself, see how a DCF works, step by step.

Fiscal.ai has its own answer to the same question: its Max plan lists click-through audit to filing for US, Canadian, UK, and EU data, according to its pricing page as archived on 9 May 2026.

Fiscal.ai pricing vs Finapolis pricing

On the last prices we could confirm from Fiscal.ai itself, from May 2026, Fiscal.ai wins on price, plainly: it costs less and has a free plan. We could not re-check fiscal.ai in September or October 2026, so confirm its current prices there. The question is not which costs less; it is whether you need the grade, the options Trader, and the Portfolio tools that Finapolis adds. See full Finapolis pricing.

Fiscal.ai vs Finapolis: which should you use?

Stay on Fiscal.ai if you research globally, like working through an AI chat, and want to keep the bill low; it is genuinely strong at that. Move to Finapolis (or run both) if you mostly invest in US-listed names and want to grade them, read a research report on them, map an options position onto your view, and run rebalancing and tax-loss harvesting tools, in one place. Also worth reading: Finviz vs Finapolis, Koyfin vs Finapolis, and the full 4-way guide.

Frequently asked questions

Is Fiscal.ai worth it in 2026?

For AI-assisted global research, yes. On its May 2026 pricing page it was hard to beat on price, and every plan, the free one included, listed DCF modeling. Its official pages show no A to D grade, no options tools, and no rebalancing or tax-loss harvesting, which is the gap Finapolis fills.

Is Fiscal.ai the same as FinChat?

Yes. Fiscal.ai is the rebranded FinChat.io, with the same AI research roots.

What is the best Fiscal.ai (FinChat) alternative?

For US-focused grading, research reports, options, and portfolio tools, Finapolis. For global data and macro dashboards, Koyfin is the closer comparison; for a lower price, TIKR.

Do Fiscal.ai and Finapolis both have AI and a DCF?

They do. The differences are elsewhere: the A to D grade, the options Trader, and the rebalancing and tax-loss harvesting tools are on Finapolis and do not appear on Fiscal.ai's official pages.

Does Fiscal.ai have an options strategy engine or tax-loss harvesting?

Not according to its official pages. Fiscal.ai describes its product as a public company research platform, and its plan list (May 2026) covers brokerage-linked portfolio tracking and portfolio stats, with no options strategy tools or tax-loss harvesting. Finapolis has both: the Trader for options strategies and a Tax Harvesting tab in the Portfolio. How a harvest is taxed depends on your situation, so check with a tax professional.

Which covers more stocks?

Fiscal.ai, easily. Its pricing page lists 100,000+ stocks, ETFs, and funds worldwide, and its API documentation counts about 55,000 listed companies across 20+ countries. Finapolis covers US-listed stocks and ETFs only.

Can I use Fiscal.ai and Finapolis together?

Yes, and for a US-focused investor it is a strong combination: Fiscal.ai to explore globally, Finapolis to grade, value, and act on the names you take seriously.